[ EDUCATION ]

Dual Pricing, Explained.

Dual pricing is a structure where a business presents two prices: a standard price for card payments and a lower price for cash or other non-card payments. The difference reflects the cost of card acceptance.

How dual pricing works

Instead of a single price with card cost absorbed into it, the business displays a card price and a cash price. The customer chooses, and the price difference makes the cost of card acceptance visible at the point of sale.

Where it applies

Dual pricing is typically used in card-present environments with compatible terminals and clear signage. It is not universally available and depends on processor support, card-network requirements, and local rules.

Disclosure and compliance

Where permitted, clear disclosure is essential. Signage, receipts, and presentation must meet card-network and applicable legal requirements. Improper disclosure can create compliance and contractual exposure.

Eligibility

Eligibility depends on the processor, business type, jurisdiction, transaction profile, and program terms. Not every business or region permits dual pricing or customer-service-fee structures.

Alternatives

Where dual pricing is not available or appropriate, other structures — interchange-plus, flat-rate, or surcharge programs subject to their own rules — may be evaluated. The right approach depends on the business and applicable requirements.

No universal promise

MyMerchantProcessor does not universally promise zero fees. Pricing, program availability, disclosures, and merchant eligibility vary by provider, business, and jurisdiction.

YOUR REVENUE KEEPS THE BUSINESS MOVING.

Understand how your payments are processed, what may be putting pressure on your cash flow, and what processing options may be available.